Can you tell I’ve got a kid in college?

I really wanted to call this “Sallie Mae’s A Bigger Whore Than Ann Arbor”, but I thought it might scare people away.  Especially the two readers I have in Michigan…so.

Yahoo recently reported the story of Michelle Bisutti.  Michelle is a 41 year old MD who is a family practitioner in Columbus (Go Bucks!) Ohio.

She finished med school $250,000 in debt.

Dr. B

That’s bad enough.

Seven years later, it’s  $555,000.

“Why?”, you ask.

She deferred her loan payments during her residency. 

If one defers loan payments there are default charges and compounding interest rates. 

One of the charges was a whopping $53,870 fee for turning her loans over to a collection agency!

Really, maybe I’m in the wrong business.

Dr. Bisutti admits, “Maybe half of it was my fault because I didn’t look at the fine print.”   She adds, ”But this is just outrageous now.”

Outrageous doesn’t cover it.  It’s usury.  And frankly, I thought that was illegal, must be wrong, it’s just immoral.

Tuition is on the rise.  The state of Georgia announced that it would take a 77% increase at all Georgia State Universities to cover the short fall for next year.  That’s $4,500.00 MORE each year just to be a DAWG!  Yes, I know it’s worth it because the only thing better than being a DAWG is being a Buckeye, but really 77%?  C’mon!

And people think nothing of college loans.  After all it’s “necessary debt”, “college is important”, “How can you put a price on an education?”, and all that.  Well, colleges everyday put a price on an education…and it’s not cheap.

Getting out of student loans is near to impossible. 

File bankruptcy, everything else may go away, (including your credit and ability to buy things) but Sallie Mae’s at the door  slathering  on new lipstick, waiting for her pay off.

The ‘boy’ is in Nashville at a Tech School, NADC.  He will come out with about $40,000 in debt.   It’s a 15 month program.  All during the course of the program, the family loans kick in when the school needs more cash.  And Sallie doesn’t call to tell you.  She sends a note. 

When her emails aren’t answered, (because the password to get in won’t work) she starts calling.  EVERYWHERE.

We’re not close.

And family loan payments kick in BEFORE your student graduates.  Unlike the loans the student gets, there is no deferrment. 

Really, I hate her.

We have a plan.  His and our debt will be erradicated pronto!

As to Dr. B.  She has renegotiated her debt.  She only has to make 351 more payments of $900.00  per month.

She’ll be able to celebrate her student loan payoff just after her 70th birthday.

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You may have heard, UP is a BIG, BIG fan of DWTS.

Love it.  Can’t explain it, it just makes me happy!

I wait breathlessly each season for the new line-UP to be announced.

As usual, I was all a twitter, waiting to see which “stars” would thrill me this season.

This time…not so much.

I’ll admit, Evan “I won a Gold Medal at the Olympics” Lysacek is a great choice, and probably a favorite to win.  Good on his feet, good looking, and hugely popular right now.

Nichole Scherzinger, the girl from the Pussycat Dolls, I can live with.  She could be the next Mel B, and it looks like she has already seen Edyta about costuming.

Could Give Edyta a Run For Her Money

 

Neicy Nash will make Macy Grey look tame, and add a lot of humor. 

DWTS 9-1-1

Me loves me some Reno 9-1-1 too!

Erin Andrews is going from the sideline to the Electric Slideline, and will probably hit the road early…but I’ve been wrong before.  Not a whole lot of football watchers watch the show (with the exception of a renaissance  man like me) , and unless their wives watch football with them, they may not know her.

Erin Andrews

The obligatory Football Star, Chad 85 Ocho Cinco will be a favorite early –  if he can dance.  The crowd will have no mercy if he can’t.  And the grille may be a ‘tad’ distracting.

Lil Wayne wants his Grille Back!!

Buzz “I was moonwalking be for moonwalking was cool” Aldrin will head back to space early.  He’s old, gets to stay a few weeks out of sympathy, and he’s no Jerry Springer! But I’m sure he’s a darn sight better than Tom Delay! (Who wouldn’t be?)

Buzz Aldrin

And then there’s the Batchelor guy, Jake Pavelka – or Mr. Bad Choice.  He’ll be  a fan favorite for a while, but who knows, everyone’s ticked that he picked the wrong girl.  And shouldn’t he be saving all his energy for the honeymoon?

Jake the Jerk

Aiden Turner, from “All My Children” is pretty hot right now, and may be a contender.  The Soap Ladies love DWTS too.  He’s prettier than Giles Marini, you can understand him, and has quarter bouncing abs, so he might have an edge.

Move Giles Marini!

And then we come to the final three ‘ladies’ in the line up.

Kate Gosselin, Pam Anderson, and Shannon Doherty!

Double Bubble Toil and Trouble

OH MY COWS!

For the two of you on the planet who don’t know how  UP feels about Ms. Gosselin, let’s just say, I’m not a fan, and think her 15 minutes of fame should have been over long, long ago.

  LOOK WHAT MONEY CAN DO!

   Before                               After

Shannen “Little Miss Spoiled Hollywood” Doherty will hang in there for a while since all the 90210 and Charmed folks watch.  But she’s not a winner.

 GOT CONDITIONER

And then there’s Pamela Anderson…from all the ‘moves’ she made in the Tommy Lee video, she might be pretty good on her feet, we all know she’s good on her back…

Standing UP Could Be A Problem

…I suppose we’ll have to change the name to Dancing With The Skanks!

ADD A TROPHY TO THE GOLD MEDAL

My money’s on Evan.  Great smile, looks good in sequins, and if the pants are as tight on DWTS as they were at Vancouver, he’s a “skate-in”.

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I know, it’s a Kristofferson song…but…With one in her own place and one in college, I can no longer blame the mess in the house on the kids.

It’s sad really, they were so convenient.

I’ll admit, I did get some funny looks when I tried to blame a stack of half-read novels , a dishwasher full of clean dishes, and a sink full of dirty ones on a 5th and 1st grader, but most people let it slide.

But the mess is all on me now. 

There’s the blogging mess.

Papers, notes, ideas, pictures to scan, computers, cords, cables, cameras…I’m sure you get the picture.

Then there’s the laundry mess.

My Mother does laundry every day.  Me, once a week.

And the mail mess.

The one who doesn’t live here is easy, I just write the new address on it and forward it.  But the one in college, well, I just wait for him to come home or call text. 

And of course there’s the stack of “to be shredded” stuff…which seems to multiply everyday.

Then there’s the kitchen mess.  I’ve taken to eschewing the pantry and just stacking the things I use regularly on the counter.  It’s getting to me.

Serioulsy, who needs cabinet doors at this point?

And the bathroom counter mess, why put stuff away I’m going to use in another 24 hours. 

And then there’s the yard.  Wow, nature comes back fast!

But what to do, convenience is key with a busy lifestyle.

And how did I get so busy with no kids to bring up?

But we get that way.

Busy, unfocused, a little “sloppy”.

I’ll go with casual.

Yeah, that’s it…casual.

I suppose I’ll just have to blame it on me.

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We all want to be happy at work.  And quite frankly, if you are not, and you can get out of it…by all means go. 

You’d be doing yourself and your health a great favor, and possibly a favor to your co-workers.

Now, I know in this economy, quitting a job is near insanity.  There are few out there, and plenty of people willing to take them.

Happiness at work depends on many things, how much you like what you do, probably being the first on the list.

But, there are others as well. 

Researchers tell us that you work space is important.

We’re no longer in the 1800s, and OSHA as annoying as it can be really has done some good work in the area of safety. 

Some things to look for:

Eyestrain causes, the lighting might be all wrong – if you can put your hand over your eyes as though you were shading them at the beach, where you really want to be, and theyfeel better, mention to the boss that the lights are too bright!

What about that chair?  Make sure you find the perfect fit if it’s adjustable.  If not, you might want to invest your own cash.  I know you shouldn’t have to, but it’s your back afterall.  Sit UP straight; good posture is called “good” for a reason!

Add some personal touches, a nice lamp, one or two pictures of the family…don’t go crazy!  How ’bout a phone head set, or one of those fat head rests for the receiver?  Loose the candy jar, and you may loose a few pounds, and keep the riff-raff away!*  Keep your workspace tidy, it will create the illusion that you’re neat, have a clean home, make people willing to eat the dishes you bring into work, and make folks think you’re organized.  Careful of this one, the boss might think you don’t have enough to do.  Leave just enough out to look “on the border of frazzled”.

Organize your day.  Plan your work, and work your plan.  

If you can avoid it, never say ‘yes’ on the  telephone the first time.  Say ‘I’ll have to check.’ or ‘I’ll get back to you.”   We all want to make people happy and look like we care, but often you have to see if you can fit that project into your schedule of if you have the wherewithall to do it at all.  It might really not be your job to do what is asked.

Put the fires out quickly.  Nuke the pesky emails and hard to handle phone calls.  Once the hurdles are jumped, the rest of the day will be better.

Check your self honesty.  Make sure you’re working at the level you think you are and at the level you want to project.  Are you spending excess time on the internet (ouch!) the phone, or checking with Mama?  And make sure you’re doing your job and not a task that belongs to someone else.

Go outside at least once a day.  Walk, jog, run, speed through town on your bike or in your Beemer.  But get OUT.  Sunlight, daylight, fresh air, smog.  It’s all good for ya!  Simply because it’s not inside.  This I’m pretty religious about…I always go off property if possible.   But if you can’t get out, at least take a break every hour or so.  Some researchers recommend every hour.  That may be excessive.  A breather, yes, a break probably not.  At school, I walk around the hall during the class break. 

Avoid hunger if you can.  Dr. Oz tells us to eat smaller meals more often, so an apple or other fruit in the mid-AM is probably a good thing.  If you’re starving by lunch time, you’re not as productive and don’t think as well.

Avoid gossip.  Seriously, I know this is a shocker coming from me, but it’s true.  And it hard to do.  It’s just sooooo much fun, and there are things you might need to know.  But if you aren’t in it, and don’t need to know it, stay away!  She may be trampy and sleeping around, but you don’t have to tell everyone!

Try to eat away from work at least once a week, preferrably with a non-co-worker.

As to your working buddies, a really great friend of mine always said, “work is work, and friends are friends.”  And when it comes to playing favors and making business decisions, she’s on the money.  However, it’s a good thing to have a ‘best friend at work’.  I do, at both jobs.    Strong friendships make work more fun, and you need that on any job.

If you work alone, at home or telecommute, get out, meet some people, make friends.  Hermits are scary and socializing is good for both introverts and extroverts.  And if your job is SAHM;  playgroups, home school groups, and girlfriend groups are necessities.

Try to meet someone new at your work location each week, or at least each month.  I’m at a High School with 3,500 kids and over three hundred employees.  I’ve been here eight years, I still don’t know them all.  It’s really embarrassing to say, “Nice to have you here today.” and get a reply of, “This is my second/third/fourth year.”  Ouch!

If a co-worker gets too you, spend some time figuring out why, then fix it or forget it.   Some people need to be dealt with, and some just aren’t worth the energy and will eventually take care of themselves.  You know, the “give him enough rope…” thing.  But, don’t let it eat at you and don’t get angry.  Anger and hate only hurt you, the one your angry at usually does not know nor care if or why you’re pissed!

Speak to everyone you pass.  This is a real hot button with me.  Manners are manners, ‘good morning’ is a required greeting, look UP, say hi, and keep movin’ if you don’t wanna talk. (Or don’t have time.)  Never get “Shyjacked”…some of you know what that means!

And once in a while, eat with the people you work with.  It keeps you in the loop and you might get a really great new recipe.

Keep it light!  Decide what is serious, and live with the rest.  You’ll live longer.

Do not talk badly abou the boss.  Even if he’s a total ass.  Don’t do it.

But, most of all…get happy!

*Note to the counseling office…this does not apply to you!!

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